How to inquire about the loan balance of ICBC

The loan balance refers to the total loan that the borrower has not returned to the lender by a certain node date. Below I will explain how to inquire about the balance of ICBC loans, hoping to help you.

How to inquire about the loan balance of ICBC

1. ICBC outlets, bring your ICBC card or passbook to nearby outlets, and ask the counter staff to help you inquire about the account balance.

2. At any bank self-service inquiry equipment terminal (ATM, self-service terminal), ICBC card or passbook can be inserted to realize ICBC balance inquiry.

3. ICBC online banking, bring your valid certificate to ICBC outlets, ask the staff to open ICBC online banking, and then log in to ICBC online banking to realize balance inquiry. The inquiry method is to log on to the official website of ICBC and enter the password to inquire.

4. ICBC telephone banking/mobile banking. You can call ICBC customer service number, 95588, and ask the staff how to check ICBC's available balance.

5. ICBC 95588 SMS reminder service, and ICBC card balance change reminder is opened at ICBC outlets;

6. Bank statement. If you are an ICBC credit card, you can use the ICBC electronic statement or paper statement to check the balance on the ICBC card.

the basic concept of loan balance

the loan amount refers to the contract amount signed by the borrower and the lender, which is a constant amount. Total loan refers to the total amount of loans issued by commercial banks before a certain date, which is the total amount of credit incurred by enterprises at the end of the accounting period, and it indicates the total amount of loans or financing that enterprises have borrowed from banks. The loan balance refers to the outstanding loan at the end of the accounting period, which is equal to the total loan minus the repaid bank loan.

Inventory ratio of loan balance

loan-to-deposit ratio is one of the assessment indicators of banks, that is, the ratio of loan balance to deposit balance cannot exceed 75%, otherwise it will violate the rules and there will be great risks. The sum of deposit balance and loan balance is the total deposit, deposit balance is the debt indicator and loan balance is the asset indicator.

The loan balance broke through 4 trillion yuan for the first time

According to the latest information released by the Shanghai Headquarters of the People's Bank of China, since 212, the monetary and credit operation in Shanghai has been generally stable, with various deposits increasing more than the same period of last year, and various loans growing steadily. At the end of September, the loan balance exceeded 4 trillion yuan for the first time, and the credit structure was further optimized.

at the end of September, the balance of various deposits in Shanghai was 6,27.7 billion yuan, up 11.3% year-on-year, and the growth rate was 1 percentage point lower than that at the end of last year. The balance of various loans was 4,18.6 billion yuan, up 9.3% year-on-year, and the growth rate decreased by 1 percentage point compared with the end of last year. In the first three quarters, the city's personal deposits increased by 226.86 billion yuan, an increase of 54.34 billion yuan year-on-year, accounting for 5.1% of the city's total deposits, accounting for a year-on-year increase of 12 percentage points. RMB loans increased by 268.53 billion yuan, a year-on-year decrease of 6.8 billion yuan. The short-term and principal loans increased by 113.61 billion yuan, a year-on-year decrease of 13.72 billion yuan. This medium and long-term loan only increased by 66.6 billion yuan, a year-on-year decrease of 9 billion yuan.

in the first three quarters, the city increased personal consumption loans by 27.39 billion yuan, a year-on-year decrease of 16.24 billion yuan, of which personal housing loans increased by 9.12 billion yuan, a year-on-year decrease of 13.44 billion yuan.

the inventory change range of loan balance

1. According to the types of corporate deposits, the demand deposits and agreement deposits of our company decreased by 1.22 billion yuan and 73.96 billion yuan respectively in the first three quarters, which decreased by 5.73 billion yuan and increased by 93.2 billion yuan respectively. Time deposits, call deposits and structured deposits increased by 172.82 billion yuan, 69.77 billion yuan and 5.54 billion yuan respectively, up by 8.98 billion yuan, 56.3 billion yuan and 8.75 billion yuan respectively. At the end of September, unit demand deposits accounted for only 3.3% of the total balance of unit deposits, which was 4.3 percentage points lower than that at the beginning of the year, and the trend of unit deposits was obvious.

2. In terms of currency, personal deposits in RMB increased by 221.84 billion yuan in the first three quarters, an increase of 49.38 billion yuan year-on-year; Personal foreign exchange deposits increased by US$ 72 million, an increase of US$ 27 million over the same period last year.

3. According to the types of personal deposits, time deposits and structured deposits increased by 151.12 billion yuan and 37.14 billion yuan respectively, with an increase of 45.93 billion yuan and a decrease of 1.1 billion yuan respectively. Demand deposits increased by 36.81 billion yuan, an increase of 17.12 billion yuan.

the balance of consumer loans is more than loans

the loan amount refers to the total amount of bank loans, and its amount will not change. However, as the borrower repays the loan on schedule within the repayment period, its amount will change constantly.

I. Basic concepts

The loan balance refers to the total loan that the borrower has not returned to the lender as of a certain node date. It also refers to the outstanding loans at the end of the accounting period. The outstanding loan balance is equal to the total loans minus the repaid bank loans.

ii. calculation formula

loan balance of short-term loans or long-term loans = loan balance in the previous period. Credit amount (increase in financing)-debit amount (repayment of loans).

third, inquiry method

the first method: the lender can bring his ID card to the personal loan department of the lending bank's outlets to inquire in person. One of the biggest benefits of this is that the lender can not only find out the loan balance, but also ask the bank to help print the repayment schedule within one year after the inquiry, so that you can clearly understand the loan situation within one year.

type 2: query through online banking. Lenders can check the loan balance without leaving home after opening online banking. Lenders can usually operate through the path of "personal loan"-"my loan"-"loan inquiry". This method is the easiest. Through online banking, you can not only inquire about the loan balance, but also inquire about repayment records and other information.

the third way: through the bank customer service telephone inquiry. Lenders can also call the customer service phone of the loan bank to inquire, but this method can only obtain the single information of the loan balance, and can't know the monthly repayment situation before and after.

The balance of Minsheng Bank's consumer loan funds cannot be transferred

Consumer loans cannot be transferred because the consumer loan funds must be used for special purposes, that is, only credit cards can be used for consumption, and cash withdrawal and transfer are not allowed.

the user directly transfers the loan funds, and the bank will soon find out that the user has used the loan funds illegally, so that the bank can ask the user to pay off all the loans at one time, resulting in the unused loan funds being unusable.

Moreover, once the funds of consumer loans can be transferred, it is impossible for banks to track whether the funds are used in compliance, which has caused certain hidden dangers to the financial market.

consumer loans are also called "consumer loans". Loans to consumers for purchasing durable consumer goods or paying various fees. For a long time, commercial banks mainly provide loans to industrial and commercial enterprises or other institutions and groups, and generally do not provide subsidies for personal consumption expenditures. After the Second World War, commercial banks began to offer consumer loans on a large scale.

The main reasons are as follows:

1. In order to seek development, commercial banks need to explore new business areas.

2. After the war, the economic development in the West was relatively stable, and individuals had relatively reliable monetary income.

3. With the emergence of more and more credit reporting agencies, banks can know the credit status of borrowers at a lower cost and ensure the safety of loans.

4. In order to avoid the influence of the inflation of general loans, residents in western countries are also willing to use consumer loans. The rapid development of consumer loans has played an important role in promoting products and production development.

consumer loans are classified into different categories according to different standards. From the perspective of repayment period, it can be divided into one-time repayment of loans and multiple repayment of loans; From the lending relationship between banks and consumers, it can be divided into direct loans and indirect loans; According to the purpose of the loan, it is divided into automobile loan, residential loan, residential improvement or repair loan, education and study loan, small living loan, holiday and tourism loan, etc.

application process

1. The borrower fills in the application form at the loan handling office with valid identity documents, certificates of pledge, mortgage and guarantor's guarantee. The bank will reply to the borrower within 15 days after investigating the borrower's guarantee and credit.

2. After the borrower's application is approved, it will sign a loan contract and corresponding guarantee contract with China Construction Bank.

3. During the validity period of the credit line and within the available credit line, the borrower can use it at any time, and fill in the loan to use the single loan when using it. The Construction Bank will transfer the loan funds to the account agreed in the contract.

4. The borrower can recycle the loan within the validity period of the line, and the available line is the difference between the approved line of the bank and the principal balance of each loan under the line. After the borrower owes the loan, the available amount will be deducted accordingly, and after the borrower repays the loan principal, the available amount will be increased accordingly.

5. Before the expiration of the line, the borrower shall pay off all the principal and interest of the loan under the line, and go through the mortgage and pledge registration cancellation procedures at the Construction Bank within 2 days after paying off the principal and interest of the loan, and the Loan Contract signed between the borrower and the Construction Bank will automatically terminate.

How to transfer the balance of Minsheng Bank's consumer loans to its own funds

Click Transfer directly. The balance of Minsheng Bank's consumer loan can be directly transferred to its own funds. China Minsheng Bank was formally established in Beijing on January 12, 1996. It is the first national joint-stock commercial bank in China, mainly invested by non-public enterprises.